California Mortgage Broker
Bank Statement & DSCR Loans
Advanced Funding Solutions is a licensed mortgage brokerage with access to more than 100 wholesale lenders. When a retail bank cannot fund your loan, the brokerage matches your scenario to the wholesale lender best positioned to close it. Since 2014, NMLS #1277693.
Custom California Mortgage Solutions
Advanced Funding Solutions is a mortgage brokerage that works with a network of wholesale lenders on non-QM, specialty, and traditional programs. Whether the scenario is a self-employed borrower documenting income through bank statements, an investor qualifying on property cash flow, or a buyer of a higher-value property in Calabasas, Malibu, or Beverly Hills, our role is to identify programs that may be a fit. Program availability, loan amounts, qualifying guidelines, and pricing are set by the funding lender and may change without notice.
Bank Statement Loans
Programs that may allow qualifying income to be derived from personal or business bank statements rather than tax returns or W-2s. Designed for self-employed borrowers, 1099 contractors, freelancers, and small business owners. Subject to credit, income, asset, property, and underwriting approval.
- Personal or business bank statements may be accepted
- Designed for self-employed, 1099 contractors and business owners
- Primary residences, investment properties and second homes
- Loan amounts vary by program and lender
- Subject to credit, income, asset, and underwriting approval
VA Home Loans
VA home loan programs are available for eligible active-duty military, veterans, and qualifying surviving spouses. Benefits, eligibility, and program features are determined by the U.S. Department of Veterans Affairs and the funding lender. Subject to VA eligibility and underwriting approval.
- Low or no down payment options for eligible borrowers
- No private mortgage insurance (PMI) on VA programs
- VA-specific credit and qualification guidelines
- VA funding fee may apply (financing options vary)
- Eligibility and program availability subject to VA guidelines
Asset Depletion Loans
Asset-depletion programs may allow qualified borrowers to use eligible liquid assets — such as savings, brokerage accounts, or retirement holdings — as a qualifying income source. May be appropriate for retirees and asset-rich borrowers with limited documented income. Subject to credit, asset, property, and underwriting approval.
- Eligible savings, investment, and retirement accounts may count toward qualifying income
- Designed for retirees and asset-rich borrowers
- Primary residences, second homes, and investment properties considered
- Asset eligibility, draw factor, and LTV vary by lender
- Subject to credit, asset, income, and underwriting approval
HELOC & Home Equity Loans
Home Equity Line of Credit (HELOC) and fixed home equity loan programs allow qualified homeowners to borrow against the equity in their home. Funds may be used for purposes such as home improvement, debt consolidation, or other personal needs, subject to lender guidelines. Subject to credit, property, and underwriting approval.
- Variable-rate HELOC and fixed-rate home equity loan options
- Combined loan-to-value limits vary by lender and program
- Interest may be tax-deductible — consult a tax professional
- Prepayment terms vary by program
- Program availability varies by state and property type
ITIN Mortgage Loans
ITIN mortgage programs may be available to qualified borrowers who file U.S. taxes using an Individual Taxpayer Identification Number (ITIN) rather than a Social Security Number. Documentation requirements, down payment, and pricing vary by lender. Subject to credit, income, asset, property, and underwriting approval.
- Programs available for qualified borrowers with an ITIN
- Tax returns or alternative documentation may be required
- Primary residence, second home, and investment property options
- Down payment requirements vary by program and lender
- Subject to credit, income, asset, and underwriting approval
Reverse Mortgages
Reverse mortgage programs may allow eligible homeowners typically age 62 or older to access a portion of their home equity. The loan generally becomes due when the home is sold or the borrower no longer occupies it as a primary residence. Reverse mortgages are complex products with important obligations regarding taxes, insurance, and home maintenance; borrowers are encouraged to seek independent counseling. Subject to age, equity, occupancy, and HUD/lender approval.
- Generally available to homeowners age 62 or older
- Borrower remains responsible for taxes, insurance, and home maintenance
- Multiple payout structures may be available
- FHA-insured Home Equity Conversion Mortgage (HECM) options
- HUD-approved counseling typically required
DSCR Loans
DSCR (Debt Service Coverage Ratio) programs are investment-property loans where qualification is based primarily on the property's projected rental income relative to debt service. Designed for real estate investors. Subject to property valuation, credit, asset, and underwriting approval.
- Qualification based primarily on property cash flow vs. debt service
- Short-term and long-term rental strategies may be considered
- Property types and minimum DSCR ratios vary by lender
- Entity vesting (LLC) may be permitted on certain programs
- Purchase, rate/term, and cash-out refinance options available
Hard Money Loans
Hard money and bridge loan programs are short-term, asset-based financing options where qualification is driven primarily by the property and the deal structure. Designed for experienced investors and time-sensitive transactions. These programs typically carry higher rates and fees than conventional financing. Subject to property valuation and underwriting approval.
- Short-term, asset-based financing for investment scenarios
- Loan-to-value limits vary by lender, property, and deal
- Fix-and-flip, bridge, and non-conforming property scenarios
- Higher rates and fees than conventional financing
- Subject to property valuation and underwriting approval
Jumbo Home Loans
Jumbo home loan programs are for loan amounts above the annual federal conforming loan limit set by the Federal Housing Finance Agency (FHFA), which varies by county and property type. Designed for higher-value properties in California, with program availability and qualifying guidelines set by the funding lender. Subject to credit, income, asset, property, and underwriting approval.
- Loan amounts above the conforming limit
- Primary residences, second homes, and investment property options
- Fixed-rate and adjustable-rate (ARM) options on certain programs
- Full-doc and alternative-doc programs may be available
- Subject to credit, income, asset, and underwriting approval
Conventional Mortgages
Conventional (Fannie Mae / Freddie Mac) mortgage programs for borrowers with documented income and credit profiles meeting agency guidelines. Subject to credit, income, asset, property, and underwriting approval.
- Low down payment options on certain conventional programs
- Fixed-rate and adjustable-rate (ARM) options
- Private mortgage insurance (PMI) requirements vary by LTV
- Conforming loan amounts subject to annual FHFA limits
- Subject to credit, income, asset, and underwriting approval
Refinance Home Loans
Refinance programs may allow qualified homeowners to adjust their rate or term, or access equity through a cash-out refinance. Benefits depend on current loan terms, market conditions, costs, and how long you plan to keep the loan. Subject to credit, income, asset, property, and underwriting approval.
- Rate-and-term and cash-out refinance options
- Cash-out LTV limits vary by program and lender
- Bank statement and DSCR refinance options for self-employed and investor borrowers
- Closing costs and break-even should be considered before refinancing
- Subject to credit, income, asset, and underwriting approval
FHA Home Loans Also Available
FHA home loan programs are government-insured mortgages with flexible qualification guidelines, often used by first-time and lower-down-payment buyers. FHA programs include upfront and annual mortgage insurance premiums. Subject to FHA guidelines and underwriting approval.
Ask about FHA eligibility →Why Borrowers Work With Advanced Funding Solutions
A California-based mortgage brokerage focused on non-QM and specialty programs, founded in 2014 and supported by a wholesale lender network.
Many borrowers, including self-employed professionals, real estate investors, foreign nationals, ITIN borrowers, and buyers of higher-value properties, have income, asset, or property profiles that don't fit a traditional conventional mortgage. Advanced Funding Solutions is structured around those scenarios. As a brokerage, our role is to review a borrower's situation against multiple wholesale lender programs and identify the ones that may be a fit. Program availability, loan amounts, rates, and guidelines are set by each funding lender and may change without notice. All loans are subject to credit, income, asset, property, and underwriting approval.
- Specialty and non-QM program focus. Bank statement, DSCR, hard money and bridge, and jumbo programs are a primary area of focus, alongside conventional, FHA, VA, refinance, HELOC, ITIN, and asset-depletion options. Program eligibility is determined by each funding lender during underwriting.
- Wholesale lender network. As a mortgage broker, we work with a network of wholesale lenders to compare programs, structures, and guidelines for each borrower's scenario. Program availability, pricing, and underwriting requirements are set by the funding lender and may differ from one investor to the next.
- Timeline depends on the program. Closing timelines vary by loan type, lender, appraisal, title, escrow, and how quickly the borrower provides documentation. Estimated timelines discussed during the application process are not guaranteed, and conditions can change after a complete file is submitted to the lender.
- Transparent, written disclosures. Borrowers receive applicable rate, fee, and program disclosures in writing during the formal application process, as required by state and federal law. Any rate, point, or cost figures discussed before a complete application and credit review are illustrative only and are not a quote, rate lock, or commitment to lend.
- California-focused brokerage. Headquartered in Calabasas, California, with experience across Los Angeles County, Ventura County, Orange County, and other California markets. Confirm state availability with Advanced Funding Solutions before relying on any program for an out-of-state property.
"Advanced Funding Solutions was built to help borrowers who don't fit a one-size-fits-all conventional mortgage. Self-employed professionals, real estate investors, and higher-value property buyers. We work with a wholesale lender network to match borrower scenarios with appropriate loan programs, subject to each lender's underwriting guidelines and applicable state and federal law."
Our Approach
Advanced Funding Solutions is a mortgage brokerage. Below is a general overview of how we work with borrowers and lenders.
Wholesale lender network
As a mortgage broker, we work with a network of wholesale lenders. Program availability, loan amounts, rates, and underwriting guidelines are set by each funding lender and may change without notice.
Multiple program review
Where appropriate, we may compare more than one loan program (conventional, jumbo, bank statement, DSCR, FHA/VA, or others) so borrowers can review options before committing to a specific path.
Written disclosures
Borrowers receive applicable rate, fee, and loan-program disclosures in writing during the formal application process, as required by state and federal law. Verbal estimates provided before a complete application are illustrative only.
Subject to approval
All loans are subject to credit, income, asset, property, and underwriting approval. Pre-qualification is not a commitment to lend. Final loan terms are determined after a complete application and lender review.
From First Call to Closing
in 4 Steps
We handle the complexity. Your job is to answer a few questions and pick your move-in date.
Pre-Qualify in 60 Seconds
Tell us your loan type, property state, and how to reach you. No credit check, no commitment, no fees.
We Match the Right Lender
We shop your file across 100+ wholesale lenders and find the best rate and structure for your exact situation. Same-day re-shopping if the primary investor backs out near close.
Submit Documents Online
Upload bank statements, ID, and property docs through our secure portal. No mailing, no faxing, no in-person meetings required.
Close & Fund
Hard money closes in 7 business days. Bank statement and DSCR loans typically close in 21–28 days. Non-QM jumbo in 25–35 days. We coordinate every step and keep the same team on your file through funding.
California Mortgage Broker: Calabasas HQ Serving
Los Angeles, Orange & Ventura Counties
Advanced Funding Solutions has worked as a California-based mortgage brokerage since 2014, with a focus on Los Angeles, Orange, and Ventura counties. Programs available across these markets include bank statement, DSCR investor, hard money and bridge, and jumbo home loans, alongside conventional, FHA, VA, refinance, HELOC, ITIN, and asset-depletion options. Program availability, loan amounts, qualifying guidelines, and closing timelines are set by each funding lender and may change without notice. Loans are subject to credit, income, asset, property, and underwriting approval. Confirm state availability with Advanced Funding Solutions before relying on any program for an out-of-state property.
Mortgage Questions, Answered
Plain-English answers about bank statement, DSCR, hard money, and jumbo loan programs.
What types of mortgage programs does Advanced Funding Solutions offer?
Can self-employed borrowers qualify for a mortgage with Advanced Funding Solutions?
What is a DSCR loan?
How quickly can a hard money or bridge loan close?
What is the conforming loan limit, and when does a loan become a jumbo loan?
What states is Advanced Funding Solutions licensed in?
Have a Question About Your Loan Scenario?
Contact Advanced Funding Solutions to discuss your situation with a member of the team. Initial conversations are informational, not a credit application or a commitment to lend. Program eligibility, loan amounts, rates, and final terms are determined by the funding lender after a complete application, supporting documentation, and underwriting review. All loans are subject to credit, income, asset, property, and underwriting approval. Advanced Funding Solutions, NMLS #1277693.